MarketWatch reporter seeking participants for a student loan advice column Student Loans |
- MarketWatch reporter seeking participants for a student loan advice column
- IBR-Income Verification
- Family willing to loan $10k for my student loans. Use it before or after refinancing?
- Student loans tax bomb and retirement?
- My mom signed up with some scam consolidation company DEBTPAYPRO
- no loan money for Summer session at CSU, what are my next steps?
- How to Pay Student Loans
- Any advice / comments would be appreciated...
- Should I bother trying to pay down my federal loans? (Any advice helps!)
- Explain where my logic is wrong?
- Finally got approved by earnest.. how quickly can I refinance more?!
- Taking out a loan
- Unable to Contact Navient
- Stafford deferment questions
| MarketWatch reporter seeking participants for a student loan advice column Posted: 06 Jun 2018 08:36 AM PDT Hi, My name is Jillian Berman and I'm a reporter at MarketWatch, where I cover student debt (you can see my twitter bio here: https://twitter.com/JillianBerman?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor and my author page here: https://www.marketwatch.com/search?q=jillian%20berman&Link=MW_SearchAC). I'm piloting a student loan advice column, where we seek letters from readers looking for help managing their student loans and we interview experts in the hope of providing them with some answers. I'm looking for participants seeking advice on their student loans and I was wondering if anyone in this group might be interested? If this sounds like you (or if you have any questions about the project) email me at jberman@marketwatch.com. Looking forward to hearing from you. Best, Jillian [link] [comments]  |
| Posted: 06 Jun 2018 09:03 PM PDT Simple question. Having a heated debate with my nephew. He is under the impression that they (Great Lakes) don't have any checks and balances for what you report as your income. He stated that he could put that he has no taxable income annually, pay more than the interest due on the federal loan and pay down the principal with at a "manageable" monthly payment. Won't Great Lakes verify whether what he is telling them is accurate? There is obviously the section that states that imprisonment and fines are possible, but how will they verify if they are not referencing with the IRS. He stated that the representatives (plural) that he talked to on the phone will just take his word for it. Thank you. [link] [comments]  |
| Family willing to loan $10k for my student loans. Use it before or after refinancing? Posted: 06 Jun 2018 10:02 PM PDT What's the best way should I pay my private loans before or after refinancing it? [link] [comments]  |
| Student loans tax bomb and retirement? Posted: 06 Jun 2018 01:35 PM PDT I have $230k in student loans from law school but I never found a well paying job so I'm on IBR. When my loans are forgiven I predict at least 10x my salary will be owed to the IRS since forgiven debts are considered income. The only place I will have that kind of money will be my retirement plan, so I don't think it's worth saving money in a 401k. How should I plan for retirement and the tax bomb? P.S. Yes, I know I'm an idiot. [link] [comments]  |
| My mom signed up with some scam consolidation company DEBTPAYPRO Posted: 06 Jun 2018 10:42 AM PDT So the company is called DebtPayPro. I kept yelling at her on the phone to hang up because the federal government wouldn't be asking for her fsa id username and password. They asked for her social many times, they asked what bills she has to pay and the amount and they asked for her driver's license number. Why would people ask for all that if they're from the government? They should see all of that. I am trying to convince her that this is a scam, but she's not listening. Now her identity and money will be stolen. DEBT PAY PRO is a scam. They made her sign a contract online too. Why would she need to consolidate two loans? They also asked for her routing number and account number. I am so tired. I'm soooo frustrated maybe someone will come tell me this isn't a scam? [link] [comments]  |
| no loan money for Summer session at CSU, what are my next steps? Posted: 06 Jun 2018 04:49 PM PDT I received the pell grant, but my lender didn't give me any aid. What I owe for classes exceeds pell grant distribution. Do i need talk to my lender for more money or do I scramble to take classes at Community College? Furthermore , how do I get the pell grant refunded so I can apply it to classes at community college if that turns out to be the case? [link] [comments]  |
| Posted: 06 Jun 2018 03:59 PM PDT I made a video trying to help people that are having difficulty with their student loans, or thinking about getting them. The link to the video is here. https://www.youtube.com/watch?v=zUwq7AvPS3g I use an example article as a kind of case study and that article is here. https://www.bustle.com/p/ive-paid-18000-to-a-24000-student-loan-i-still-owe-24000-9000788 My python notebook I used to evaluate her situation here. https://github.com/Goddard/Notebooks/blob/master/Pay%20Student%20Loan%20the%20Smart%20Way.ipynb [link] [comments]  |
| Any advice / comments would be appreciated... Posted: 06 Jun 2018 10:50 AM PDT
Is there anything I should be doing that I'm not doing? Anything I should look out for? Any advice, comments, or wisdom that anyone wants to throw my way? Thanks in advance! [link] [comments]  |
| Should I bother trying to pay down my federal loans? (Any advice helps!) Posted: 06 Jun 2018 08:56 AM PDT Was willfully not paying attention to any of my student loan finances for the last few years because I was working for a non-profit, anticipating PSLF at the end of ten years. I have been working for a for-profit company for the last year (plus a few months). Just reapplied for an income-driven plan, and realized I've not even been covering interest in my payments over the last year. Here's my breakdown: Consolidated as of 11/30/2011 (graduated from grad school a few months prior) Direct Sub $24,277.42 Direct Unsub $ 71,635.58 Both at 6.625% Currently have $1068.96 in accrued interest, making the total balance $96,981.96. (FOR A SOCIAL WORK DEGREE FML) Was on IBR making regular payments for four years. As of the last year, I've been making $381 payments under the REPAYE plan. Been renewed at the same monthly payment for the next year. Is it worth trying to squeeze my budget and pay more into the interest or just pay the minimum monthly fee and not worry about the amount of interest that will get tacked on for 18 more years, knowing it'll be forgiven in 2036 (again, FML). Any information, advice, and guidance is appreciated. TIA! [link] [comments]  |
| Explain where my logic is wrong? Posted: 06 Jun 2018 12:15 PM PDT All, please explain to me where my logic might be wrong? I took out the maximum amount of student loans (SLs) for graduate degrees and got multiple graduate degrees. I did this with the understanding that my end goal was a career in public service. I have an extraordinary amount of SL owed (on purpose), but I am three years into my PSLF. My estimate is that I will pay back $0.20 on the dollar borrowed. [link] [comments]  |
| Finally got approved by earnest.. how quickly can I refinance more?! Posted: 06 Jun 2018 11:35 AM PDT Finally got approved for a refinance on my Wells Fargo 13% Loan to earnest at 5.49%.. how quickly can I refinance my 2 other 25K loans? Do I have to wait a year? What's the rule of thumb? [link] [comments]  |
| Posted: 06 Jun 2018 10:30 AM PDT I'm transferring to a new university, and during community college I was able to work as a server for 4-5 days a week. During my time at the university, I really want to be able to focus on schoolwork, and was hoping to cut down to 3 days a week. Despite my best efforts to cut down on costs, I would be short around ~$300-$400 a month(living in California with car bills/car ins/health bills/etc...). I already am getting school loans, and was thinking about taking another loan for $1500 a semester. Any advice on going about this process or things I could do to make up for the loss each month? [link] [comments]  |
| Posted: 06 Jun 2018 09:01 AM PDT I currently no longer live in the United States and no longer have a US bank account. I also do not have a cell phone that can call overseas. I am unable to login to my Navient account. When I request my account information, it asks for my date of birth and social security number. When I enter them, however, it says they are incorrect. I have sent over 30 emails in the past 3 months requesting assistance with logging in and explaning my situation. The only emails I have ever received in reply are "Please call this number" responses. If they had read anything I wrote they would know I cannot do that. What the hell should I do? I do not have a way to reasonably call them and cannot get a response through email. They also seem to not have my social or date of birth on record? I have no idea what to do here. I asked to borrow a co-worker's phone to make the call, but they kept me on hold for over 20 minutes... On an international call... What do? [link] [comments]  |
| Posted: 06 Jun 2018 07:00 AM PDT Due to work scheduling and other issues I have been out of class for about a year. So obviously my Stafford loans have started the repayment schedule. No surprise there. Now that I am getting ready to attend class again I will need to inform the lender to start the deferment (which I believe I can do online?). However for the first semester or two I plan on splitting my class time between my primary university and a local community college (I have stretched the degree process out to the point I need a refresher on some items). Is it difficult to work that out with the lender for deferment? Is there anything special I need to do when attending multiple schools? And is there any issue with retaking classes? They predated my Stafford loans and I have no intention of paying through Stafford this time either. I am not finding much information of the types of classes that can initiate deferment. Thank you for any and all advice and comments (even criticisms for delaying my classes so long). [link] [comments]  |
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